Sole trader insurance

Specialist cover for sole traders from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

Having insured professionals for over 25 years, our specialist insurance for sole traders offers expert, tailored insurance cover against a wide range of risks facing your business.

Regardless of how careful you are, poor advice given to a client, an accident on your premises or the theft of expensive equipment could cost your business thousands of pounds. Our sole trader insurance can give you the peace of mind that you are covered for these eventualities and many more.

If you are unsure which covers your business needs, we can help you tailor your sole trader insurance. Our simple quote system allows you to choose the cover you want at a premium you can afford.

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Cover starting at just £5 a month

Build your sole trader insurance policy with these specialist covers

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is vital protection for all sole traders and insurance cover is available with limits ranging from £50,000 to £5m.

  • Public and product liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. This is an important cover if you regularly deal with clients or members of the public. Limits range from £1m to £5m.

  • Employer’s liability insurance

    Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. Regardless of the industry you work in, if your business employs staff, you need this cover. Cover for £10m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.

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Cover starting at just £5 a month

Frequently asked questions

  • What's the difference between professional indemnity and public liability?

    Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

    Public liability insurance is different - it covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

    As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

  • I need to arrange insurance to start work - do you provide proof of cover?

    Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. You can present this document to agencies and clients as proof that you are insured.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing professionals and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of $1.2 billion in 2014.

    Still not sure? Call us on 0845 688 2500 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

We offer specialist cover for homeworkers

In addition to our standard 'office based' insurance policies, we also offer specialist homeworker policies designed to cover the risks facing small businesses run from home. Few home insurance policies extend to cover business activities, regardless of the industry you work in, so be sure to choose insurance for your business that will prevent claims falling between gaps in your cover.

You can tailor your sole trader insurance policy online by choosing from a range of liability covers and the option to insure your home office contents. And as your business changes, you can enjoy the convenience of being able to adjust your policy online at any time.

Sole trader insurance cover starts at just £5/month, with the option to spread the cost of your premium over 10 interest free payments.

Cover starting at just £5 a month